Track your journey through our proven 10-step process. From your first Dreams & Goals call to the moment you get your keys, you'll know exactly where you are and what comes next.
Most Lenders Do Not Offer Loan Approval Until You Actually Go Under Contract. Here's why it matters for you.
💪
Power of a Cash Buyer
Your financing is fully vetted before you make an offer, giving you the confidence and strength of a cash buyer in negotiations.
⚡
Close in 10 Days
With all underwriting complete, we only need appraisal and title. You can close in as little as 10 days—a huge advantage for sellers.
🏆
Win More Offers
In multiple-offer situations, your Full Loan Approval gives you a decisive edge. Sellers choose certainty over uncertainty.
Your Roadmap
The 10-Step Journey to Your Dream Home
A clear, transparent process from your first call to closing day. No confusion, no surprises—just a proven path forward.
💭
Step 1
Dreams & Goals
📄
Step 2
Gather Documents
👁️
Step 3
First Look Call
🗺️
Step 4
Choose Path
🏆
Step 5
Full Approval
Milestone
🏠
Step 6
House Hunting
✍️
Step 7
Make Offer
✅
Step 8
Offer Accepted
📈
Step 9
Final Stretch
✨
Step 10
Welcome Home
🎉 Goal
#AskTheLoanDude
Craig Johnson | Branch Manager
My Promise to You
Guiding Families Home for 29 Years
For 29 years, I've guided thousands of families to homeownership. My commitment is simple: transparency, education, and a Ritz-Carlton experience at every step.
I'm here to guide you, not sell you. Your dream home is within reach—let's make it a reality together.
Craig Johnson | MLO NMLS #254995 | (469) 400-8525 | cjohnson@canopymortgage.com | Canopy Mortgage, LLC NMLS #1359687 | 360 Technology Court, Suite 200, Lindon, UT 84042 | 877-426-5500 | NMLS Consumer Access: www.nmlsconsumeraccess.org | TX Residential Mortgage Loan Originator | Equal Housing Lender | All loans subject to credit & property approval. Canopy Mortgage is not sponsored by, affiliated with, or acting on behalf of the listing broker or builder. Consumers wishing to file a complaint against a residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, TX 78705 | www.sml.texas.gov | Toll-free: 1-877-276-5550. The department maintains a recovery fund to make payments of certain actual out-of-pocket damages sustained by borrowers caused by acts of licensed residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim.
🗺️ Your Personalized Journey
Track Your Path to Your Dream Home
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Your 10-Step Homebuying Game Plan™
Equal Housing Lender
Craig Johnson | MLO NMLS #254995 | (469) 400-8525 | [email protected] | Canopy Mortgage, LLC NMLS #1359687 | 360 Technology Court, Suite 200, Lindon, UT 84042 | 877-426-5500 | NMLS Consumer Access: www.nmlsconsumeraccess.org | TX Residential Mortgage Loan Originator | Equal Housing Lender | All loans subject to credit & property approval. Canopy Mortgage is not sponsored by, affiliated with, or acting on behalf of the listing broker or builder. Consumers wishing to file a complaint against a residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, TX 78705 | www.sml.texas.gov | Toll-free: 1-877-276-5550. The department maintains a recovery fund to make payments of certain actual out-of-pocket damages sustained by borrowers caused by acts of licensed residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim.
🏆 Step 5: The Game Changer
Full Loan Approval
The competitive advantage only 10% of lenders offer. Here's what sets our clients apart from the moment they make an offer.
What Makes the Difference
The Power of a Full Loan Approval
This is where we separate from 90% of lenders. Your application goes to a real underwriter who reviews and approves all your income, credit, and assets before you ever make an offer. This gives you the power of a cash buyer.
Side by Side
Full Approval vs. Pre-Approval: What's the Difference?
Standard
Pre-Approval
What 90% of lenders offer
❌ Based on self-reported information
❌ No underwriter review before offer
❌ Financing contingency required
❌ 30–45 day closing timeline
❌ Risk of financing falling through
❌ Weaker position in multiple offers
✦ Our Advantage
Full Loan Approval
What we offer at Canopy Mortgage
✅ Complete underwriter review upfront
✅ All income, credit, and assets verified
✅ No financing contingency needed
✅ Close in as little as 10 days
✅ Rock-solid certainty for sellers
✅ Competitive edge in any market
Why Everyone Wins
With Full Loan Approval
Full Loan Approval isn't just good for buyers — it creates a better experience for everyone involved in the transaction.
🏠
For Buyers
Confidence of a cash buyer
Ability to waive financing contingencies
Power to close in as little as 10 days
Competitive edge in multiple-offer situations
🏡
For Sellers
Certainty the deal will close on time
No financing-related delays or fall-throughs
Peace of mind with a fully vetted buyer
Faster closing timeline
🤝
For Realtors
Competitive advantage for your clients
Higher win rate in multiple-offer scenarios
Stronger lender-realtor partnership
Smooth, on-time closings
Real-World Scenario
How Full Loan Approval Wins in Multiple-Offer Situations
1
The Situation
A seller receives three offers on their home, all at similar price points. They need to choose which offer to accept.
2
The Offers
📄 Offer A: Standard pre-approval, 30-day close, financing contingency
📄 Offer B: Standard pre-approval, 21-day close, financing contingency
🏆 Offer C (You): Full Loan Approval, 10-day close, NO financing contingency
✓
The Outcome
The seller chooses Offer C because it provides certainty, speed, and eliminates the risk of financing falling through. Your Full Loan Approval made the difference.
The Process
How We Get You Fully Approved
Four straightforward steps to becoming a Power Buyer.
📋
Complete Application
Submit your full loan application with all required documentation — income, assets, and credit.
🔍
Underwriter Review
A real underwriter — not just a loan officer — reviews every detail of your financial profile.
✅
Full Approval Issued
You receive a Full Loan Approval letter stating all income, credit, and assets are verified and approved.
🏆
Ready to Win
Make offers with confidence, knowing your financing is rock-solid and you can close in 10 days.
Ready to Experience the Full Approval Advantage?
Start your journey today and position yourself as a Power Buyer in the market.
Craig Johnson | MLO NMLS #254995 | (469) 400-8525 | [email protected] | Canopy Mortgage, LLC NMLS #1359687 | 360 Technology Court, Suite 200, Lindon, UT 84042 | 877-426-5500 | NMLS Consumer Access: www.nmlsconsumeraccess.org | TX Residential Mortgage Loan Originator | Equal Housing Lender | All loans subject to credit & property approval. Canopy Mortgage is not sponsored by, affiliated with, or acting on behalf of the listing broker or builder. Consumers wishing to file a complaint against a residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, TX 78705 | www.sml.texas.gov | Toll-free: 1-877-276-5550. The department maintains a recovery fund to make payments of certain actual out-of-pocket damages sustained by borrowers caused by acts of licensed residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim.
